• be experience rated at a modifier under 1.00
• contain all operations at one location in one state
• have a prior 5 year loss ratio under 35%
• have been in business for more than 5 years
• provide wages equal to or greater than industry average
• provide medical plans to all its employees
• be financially stable with no significant changes from prior operations
• provide employees with a well maintained and safe work environment
• have a return to work policy
• be safety conscious and provide some form of safety program
• properly screen employees through applications, reference checks,
  drug/alcohol tests
• have a stable workforce with average annual turnover under 10%
• be situated in a reasonable claims and regulatory jurisdiction, where rates
  are deemed adequate by ACE and where competitive forces have not eroded
  such adequacy
• be in a low to medium hazard grade
• be free from Occupational Disease exposures

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Ineligible Applicants

• Any class number or description not listed in the Class Code Eligibility section.
• USL & H, Maritime, Admiralty, Outer Continental Shelf Lands Act, sub aqueous and all other forms of maritime exposures including but not limited to vessel operations, manufacture, service, repair; marina's, stevedoring, dredging, diving, wrecking, pile driving, jetty construction, dams, dry docks, caissons, coffer dams, reservoirs, dikes, locks or revetment.
• Defense Base Act or Migrant & Seasonal Agricultural Worker Protection Act.
• FELA and all forms of railroad operations, manufacture, service or repair including subways.
• Aggregate or excess workers' compensation.
• Financial Guarantee.
• Pools, Associations or Syndicates. (Allowable but must be referred to UW)
• Risks with an occupational disease exposure including but not limited to Black Lung, Brown Lung, Silicosis or Asbestosis, a classification with an occupational disease loading or a prior occupational disease exposure or loss.
• Nuclear or atomic energy operations or services.
• Aircraft or motorized watercraft operation, manufacture, service or repair.
• Risks involved with manufacture, installation, removal, processing or handling of dioxins, urea formaldehyde, PCB's, asbestos or mold.
• Risks with exposure to work at heights exceeding 25 feet or at depths in excess of 6 (10) feet.
• PEO's, temporary labor service operations, staffing or employee leasing firms.
• Mining including underground, surface and quarries; all forms of drilling (except water wells), tunneling or shaft sinking.
• Manufacture, production, refining, storage, distribution, construction, maintenance or transportation of natural or artificial fuels or gases including but not limited to gasoline, LPG, propane or butane.
• Manufacture, sale, distribution, storage, loading, handling, usage (including blasting), or transportation of ammunition, dynamite, fireworks, fuses, nitroglycerine, celluloid, pyroxylin or any other explosive.
• Steel tank or pressure vessel testing, service, repair, installation or manufacture.
• Manufacture, blending, processing or packaging of paints, solvents or chemicals.
• Bridge construction, erection, repair or maintenance.
• Oil or gas operations including but not limited to exploration, distribution, operations, construction, refining, distilling, repair or maintenance.
• Electric power and light companies including operation, construction maintenance or repair.
• All forms of mobile home manufacture, sales, installation, service or repair.
• Twenty-four hour convenience stores or gasoline service stations.
• Amusement parks or devices, exhibits including fireworks, carnivals, racing teams or circuses.
• Pest control including but not limited to exterminators and fumigators.
• Towing operations including repossession except if receipts from towing are less than 10% of total receipts for the operation insured by ACE Complete.
• Demolition, blasting and wrecking operations.
• Tobacco production or processing.
• Pulpwood production, logging or sawmill operations.
• Seasonal operations defined as operations occurring less than 9 months per year with less than 70% of the employees from the peak operational period.
• Sandblasting operations.
• Long haul trucking (more than 200 miles one way).
• Moving and storage operations.
• Window cleaning operations (exterior).
• Prepared food delivery, retail (ex. pizzeria; does not include caterers).
• Scaffolding contractors.
• Union operations.
• Roofing contractors.
• Foundries.
• Professional or semi professional sports teams.
• Home based employees.
• Domestic workers.
• Environmental remediation contractors.
• Volunteer labor (other than specified classifications).
• Temporary labor other than clerical or administrative personnel.
• Establishments where liquor sales account for more than 40% of receipts.
• Lapsed Insurance risks (see section II. D.)
• General contractors (5606) or Wallboard contractors (5445) when payroll from the class exceeds 25% of total policy payroll.
  (Note: Insured's that subcontract more than 50% of the work are ineligible for the Ace Complete Program)
• Snow plowing operations.
• Any risk in NCCI Hazard Group IV. (See Appendix A-Item 8)
• Any classification and description not listed as eligible in the Class Code Eligibility section of the ACE online application.
• Adult Day Care Centers